Financing for the total utility bill

Residential solar and efficiency upgrades help U.S. homeowners control their total utility costs. Spruce offers the broadest range of financing options which include solar loans, PPAs, leases and home efficiency loans.


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The Spruce Solar Loan

The Spruce Solar Loan is ideal for homeowners who prefer to own their solar energy system. It offers a range of competitive pricing options with attractive terms and predictable payments. For channel partners, the Spruce Solar Loan is an easy-to-sell product that fits their customers’ needs.


Expanded addressable market 

Create more opportunities from the residential market, with townhome, condo, duplex, detached-structure and ground-mount eligibility.

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Faster closes

Prescreen applicants to save time. Qualify homeowners for loans and PPAs on one platform. Sign documents all on your mobile device

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Simple milestone requirements

Follow easy milestones throughout the selling and job process.

Simple Sales with Spruce PPAs and Leases

Spruce PPAs and leases are great for homeowners who want to pay for the energy their systems produce, or pay as they go. With Spruce PPAs, channel partners can offer some of the lowest electricity rates in the industry, which means faster closes and fewer cancellations.

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Home Efficiency Improvements

A broad range of technologies can help homeowners lower their electricity, heating and cooling, and water bills. Through Spruce, channel partners can offer financing for these improvements, with attractive terms.

Introducing Spruce PACE for Solar

Spruce now offers PACE financing for residential solar systems in California.

Spruce PACE for Solar

Make Selling and Processing Deals Easy

Channel partners get exclusive access to multiple Spruce products on single a platform, so you can close deals faster and reach more customers.

Spruce Financing Availability

We offer solar financing in dozens of states with new markets continually being added. Efficiency lending is available in all 50 states and Washington D.C.


Solar and Efficiency Products

Generation & Solar Lending

Efficiency Products

Become a Partner

We work with small to mid-sized businesses, as well as national organizations.

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Join Our Network Today